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Collections Law/Third Party Disclosure
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Question
Hello,
A collection agency called my home phone and left a message on my answering machine saying "This message is for (name) if this is not (name) please disconnect. This call is to collect a debt any information obtained will be used for this purpose. Call us back at (number)."
So I was wondering if it is legal to announce that it is a collections call using my name on an answering machine. The person I live with and am not married to listened to the message. Can they do that?
Antonia:
Technically, if all the facts lined up perfectly, probably not. However, no judge or jury would ever find them liable under the FDCPA for something so innoculuous.
Apex Credit Services, LLC
http://www.apexcreditservices.com
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Apex Credit Services, LLC
Expertise
Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
Experience
Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
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Flagstar Bank
Chase Bank
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Flagstar Bank
Chase Bank
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